Own Your Space

Build equity while eliminating unpredictable rent increases.

Long-Term Stability

Fixed or variable rates with terms up to 25 years for affordability.

Custom Financing

Loan structures matched to your property type and cash flow.

Expert Guidance

From application to closing, we navigate lenders on your behalf.

About Owner-Occupied CRE Loans

What Are Owner-Occupied CRE Loans?

Owner-occupied commercial real estate financing is designed for businesses that will occupy at least 51% of the property. These loans help business owners secure long-term stability, gain equity, and control overhead costs by purchasing rather than leasing their workspace.

Common Uses

  • Purchase of office, retail, or industrial buildings
  • Refinance of existing owner-occupied property debt
  • Expansion or renovation of current facilities
  • Construction of new business premises

Loan Terms & Rates

Terms generally range from 10 to 25 years, with interest rates based on Prime or other market indices plus a lender margin. SBA 504 and 7(a) programs, as well as conventional bank loans, are commonly used for these transactions.

Eligibility Criteria

  • Business must occupy at least 51% of the property
  • For-profit entity operating in the U.S.
  • Strong credit and verifiable cash flow
  • Acceptable property type and valuation

Why Choose F.G. Howell?

We simplify the path to ownership by pairing you with lenders that actively finance your industry and property type. Our team ensures your application is packaged clearly, underwriters have what they need, and timelines are met.

  • End-to-end support from inquiry to funding
  • Access to SBA, USDA, and conventional programs
  • Advocacy for competitive rates and favorable terms
Quick Facts:
Up to 25 Years
Occupancy: 51%+ by owner
Loan Types: SBA 504, SBA 7(a), Conventional
Rates: Competitive (fixed or variable)
Property Types: Office, Retail, Industrial

Your Partner in Finance

At F.G. Howell, we don’t just process paperwork — we build financing strategies that help you own the space where your business thrives. With our lender network and expertise, you can move forward with confidence.

Frequently Asked Questions

For SBA and many conventional programs, at least 51% owner occupancy is required. If less, you may need an investment CRE loan instead.

Most owner-occupied CRE loans require 10%–20% down, though SBA 504 programs may allow lower equity injections for qualified borrowers.

Yes. Many lenders allow financing for purchase plus renovation costs in a single loan.